Key legal question
Whether a person under co-operation guardianship may file a debt-enforcement complaint without the guardian's consent
Extracted holding
Yes. Filing a debt-enforcement complaint is not 'process conduct' requiring consent under Art. 395(1) ZGB, so the complainant was entitled to proceed himself.
Extracted reasoning
Debt-enforcement complaints are free of charge under Art. 20a(1) SchKG; the abstract risk of a bad-faith cost order does not justify requiring guardian consent in advance.